Headquartered on Long Island, Origin Mortgage delivers local expertise with flexible Non-QM and DSCR solutions throughout New York City, suburbs, and upstate markets.
New York's diverse economy—finance, real estate, healthcare, hospitality, and entrepreneurship—demands mortgage solutions for self-employed and non-traditional earners.
From NYC multi-family buildings to upstate rental properties, DSCR loans let investors qualify based on property cash flow rather than personal income.
As a New York-based lender, Origin Mortgage has deep expertise across the state's unique real estate landscape:
Whether you're buying in NYC, investing in rental properties, or refinancing a complex scenario, Origin Mortgage's New York roots give us unmatched local knowledge.
Yes. Origin Mortgage offers 12-month and 24-month bank statement programs for self-employed New Yorkers. This is ideal for business owners, freelancers, real estate agents, and anyone with non-traditional income documentation.
Absolutely. Origin Mortgage has extensive experience with New York City co-ops, condos, and condo-conversions. We understand NYC's unique board requirements, warrantable/non-warrantable distinctions, and building-specific challenges.
Yes. New York's multi-family market is ideal for DSCR financing. Origin Mortgage finances 2-4 unit properties and larger multi-family buildings (up to 8 units) based on rental income, not personal income. We serve NYC, Long Island, and upstate markets.
Down payment requirements vary by program and property type. Bank statement loans typically require 15-25% down, while DSCR loans may need 20-30% depending on the property's cash flow. NYC properties may have higher requirements. Contact us for details.
Origin Mortgage delivers 21-day clear-to-close timelines for prepared files. As a Long Island-based lender, we coordinate seamlessly with New York attorneys, title companies, and closing agents to meet contract deadlines.
Yes. Origin Mortgage offers Non-QM programs for foreign nationals purchasing New York real estate. We work with international buyers from around the world who want to invest in NYC, Long Island, or other NY markets.